Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
nataliespade

0 Contributions
0 People Helped
What do you do when a parent maxes out a credit card with you as an authorized user?
As if paying back student loans wasn't difficult enough, my parents have racked up a serious amount of credit card debt with me as an authorized user (who doesn't have a card). What happens once I remove my name?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
234 Contributions
80 People Helped

Good luck with that. I was divorced over 7 years ago, we both worked very hard to be removed from each others accounts as authorized users, and a couple of cards they have still not removed us.  Luck both of us are in the high 700's and have not hurt one another.

Top Contributor
5038 Contributions
1134 People Helped

You need to get removed as an authorized user. Have your parents contact the credit card company and remove you. If the account still appears on your credit reports in a month, then contact the credit bureaus and tell them that you are no longer on the account. The three credit bureaus are Transunion Equifax and Experian and they all have websites with contact info. Your scores should improve once you are removed. Get yourself a Secured credit card in your name only and build your credit with that. Don't rely on others for your credit or for anything.

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.